The Paul Revere Corporation probably sold their last disability insurance policy in 1997.

Paul Revere was purchased by Provident Corporation in 1997 and then in 1999 merged with Unum.

Paul Revere disability policies were typically sold to high earning business owners, doctors, lawyers and dentist with the promise that if they could not perform their occupation duties, then they would be able to collect a certain amount of money every month.

Paul Revere was very liberal with their underwriting guidelines in the 1980s which resulted in them selling some very high dollar disability policies with lifetime disability terms and own occupation definitions of disability.

Some Paul Revere disability policies were sold with monthly benefits in excess of $45,000 dollars a month.

In the mid to late 1990’s Paul Revere and Provident engaged in a calculated strategy to intentionally deny the high dollar monthly benefit claims. This strategy involved roundtable discussions and plans to deny a claimant’s benefits simply because they were being paid in excess of $10,000 a month.

In 2004, Unum, as a result of Paul Revere and Provident’s past conduct entered in an agreement with 48 states regarding their wrongful claims handling of long-term disability claims between 1997 and 2004. Click here to read the Unum Multistate Regulatory Settlement Agreement. The settlement agreement resulted in Unum paying additional benefits of approximately $676 million.

How Can We Help Paul Revere Policy Holders?

Since Paul Revere and Unum are now the same company, we have had the opportunity to assist with thousands of claimants with either a Paul Revere or Unum Disability Policy.

Our lawyers are trained to understand how Unum thinks and we anticipate all of their actions.

It is our job to direct our client’s disability claim so that they can maximize the disability benefits they are entitled to receive.

We welcome you to watch a few of our disability videos discussing the actions of Unum.

You can also find additional information on our Unum Disability Claims page, such as court decisions, our resolved cases, and comments from other Unum policy holders.

Please contact us for a free consultation if you are considering filing for disability benefits, have been denied, or are interested in a Paul Revere lump sum buyout of your disability policy.

I had a long term disability insurance with Paul Revere. When I got it they told me that any premiums paid would be returnable if I did not use the disability insurance. Well I did not use the disability and I have paid well over $11000.00 in premiums over the years. I am 65 and no longer want to carry the policy. How do I collect?

Attorney Greg Dell:

Art, if your disability policy has a return of premium provision, then you need to file a claim with the company. It is rare to have such a benefit, but they do exist.

Charlestine Carter:

If i become disabled at age 62, how long will my policy pay?

Attorney Greg Dell:

Charlestine,

You need to review your disability insurance policy in order to determine the maximum benefit period for long term disability benefits. This information is usually on the Schedule Page of your disability policy.

Frank Yogus:

I have had a Paul Revere policy since 1988. Have paid premiums each month without fail. I am now retired (age 60), no income, except my own retirement income. Should I keep this policy for any reason or do they pay if I become disabled, if I pay premiums for the remainder of my life?

Attorney Greg Dell:

Frank,

Good question. It depends on what state you live in and how long after you retired that you become disabled. In some states the law is that if you have a policy and have not worked, then the occupation for purposes of the policy will be what you were doing when you last worked. Your occupation could also be that of a retired person, but that again would depend on what you do as a retired person. You are probably better off keeping the policy another few years.

Terri Williams:

How does one go about getting a Paul Revere handbook dated back to like 1998-1999? Unum is now offering me a buyout for the age of 65 and at 70% but I was told by the financial director of my company, the day I went from short term to long term disability that I would receive a check once a month until I was 70 years old and to go to my handbook and read up on it. It has been 14 years and I no longer have the book. But someone should have a copy to prove what age my eligibility is good for. Any suggestions on where or how to get a copy of the Paul Revere life insurance/disability handbook? Any help I really appreciate it.

Attorney Greg Dell:

Terri,

Unum, now known as Paul Revere, should have a copy of the policy sold to your company. If they do not, then the only way to prove the existence of an old policy is for you to either find a copy or get a copy from your former employer.

Joyce Sese:

Which company now is Paul Revere? Where do I make a claim? Where can I get a claim form?

Attorney Stephen Jessup:

Joyce,

Paul Revere claims are now handled by Unum.

Stan M. Parker:

I am on disability with Paul Revere (UNUM). I have 2 business overhead policies that the premiums were paid for since 1988. The policy was to pay 17,800 per month for 24 months. It says it will pay employee salaries. I own 19% of my Dental partnership. UNUM says that they do not have to pay Hygiene salaries because the Hygienist generate income. Yes they do produce income but they are not contract labor and are employees that receive all benefits of my other employees, ie. vacation, sick retirement etc.. My 19% is approx 3500. per month. I understand why they don’t want to pay but it looks like they will save or I will loose nearly 100,000 dollars. No where in my policy does it say hygienist are not considered employees.

Attorney Stephen Jessup:

Stan,

You’re right, something does not seem right. I will email you directly to discuss the matter.

Mike:

We bought a policy on my wife from Prudential that then was subcontracted and ultimately underwritten by Paul Revere. Policy issued approx 2-1-1998, claimed filed in 1999 denied, we appealed and denied. I would presume all statute of limitations have expired.

Attorney Stephen Jessup:

Mike,

If the denial was in 1999, it is very safe to assume the statute of limitations has expired.

Nalini A. Reddy:

Hi Steve,

I have disability due to auto accident from 89. I had coverage for COLA too by both insurances I had Paul Revere and Minnesota insurance. Both told me that cola is covered for life too as it is accident related.

I questioned about it right after accident and was told by both parties that it is their in the master policy with insurances which is not spelled out in the individual policy.

Both companies stopped COLA from my 65th birthday. Is there any way we could get master policy which explains in detail? He also gave me an example when asked saying let us say 30 years multiply COLA amount 7 by Paul Revere and 6 on the compound payments by Minnesota Mutual now Standard.

I was wondering about you getting the master copy from companies as they disclosed by the agents that it is not spelled out after accident.

Please let me know if you could. Thanks in anticipation about COLA clarification after accident in the master plan.

Attorney Stephen Jessup:

Nalini,

Unfortunately, there is no way for me to secure copies of your original policies. From my experience the overwhelming majority of COLA Riders cease COLA increases end at the age of 65.

Ralph Asselta:

Hi Steve,

I bought a Paul Revere disability policy in 1995, 60k payout per year, $323 per month and never a claim. And current on payments and now 70 1/2 and still working as president of a company in Grand Rapids, MI. I just happen to stumble on your web site and now I know I was not imaging things on what I was told at the time I bought the policy. On several occasions I called Unum and asked about my policy in regards to collecting and keep working in a different position due to stress etc. I was told that there is nothing in your policy that states that and I must be mistaken. Any chance I can get a settlement on misrepresentation?

Attorney Stephen Jessup:

Ralph,

The policy language will always govern, so if someone told you otherwise in selling the policy there is little that can be done to go after Unum (Paul Revere). Please feel free to contact our office to discuss your claim. A better understanding of your definition of disability would be needed to better assess your options/rights/entitlements under the policy.

Steve:

I bought a policy in 1994 from Paul Revere and have kept it current. How do I find out what my benefits are?

Attorney Stephen Jessup:

Steve,

You can contact your agent, or Unum to inquire as to the current monthly benefit. Additionally, many premium notices or any information they mail to you regarding the policy will have benefit information on it.

Page Feudale:

Steve,

My Paul Revere disability policy includes a Premium Refund Benefit Rider, which states PR will pay a Premium Refund Benefit listed in my policy schedule ($746.18) each “Term”, defined as each consecutive 5 year period from date of issue. I do not recall receiving any premium refunds. Is it possible to recoup any past payments at this point? The date of issue was May 3, 1990 and my premium continues to be drafted from my checking account with never any lapses in coverage.

Attorney Stephen Jessup:

Page,

Applicable statute of limitations may prevent any legal action to recover the benefit; however, with that being said it may be possible to recoup the benefit if in fact you are eligible. Please feel free to contact our office to discuss same.

Kathy:

My husband purchased a Paul Revere disability policy at least 25-30 years ago, or longer. I am not able to find my copy of the policy. My premium is due again, and at age 62 1/2, am wondering if I should pay or drop. How do I obtain a copy of the policy?

Attorney Stephen Jessup:

Kathy,

We cannot advise you as to whether you should drop your coverage, as that is a decision that only you can make. Contact Unum – who purchased and handles the Paul Revere policies and advise them you need a copy. They should be able to find your information, and for a nominal fee (usually $25) send you a copy.

David:

I have had a Paul Revere Policy since the early 80’s – over 30 years of faithful payments. I am now 57 years old and need to file a claim. After online research and finding your site, I am hesitant to even send the initial letter to start the process. Should I seek legal help first? Please advise.

Attorney Stephen Jessup:

David,

Please feel free to contact our office. We will be more than willing to offer you a free consultation and review of your policy to advise you as to your rights under same, and how we may be able to assist you in filing your claim. As the disability benefits will represent your source of income it is always wise to speak with an attorney prior to filing the claim. Oversights/mistakes on the claim forms could result in a denial of benefits that could result in protracted litigation.

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If you are considering applying for disability income benefits, have been denied total or partial disability benefits, or are interested in approaching your insurance carrier about a lump-sum buy-out of your disability income policy call (800) 682-8331 for a free consultation with an attorney or use our online form to request a legal consultation. We offer no fee or cost unless you get paid.